2550 Howell St, Ramona, CA 92065 Property Records

San Diego County property record for 2550 Howell St, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1984
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Oct 2018)
Tax Bill	$5,279 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`282-040-33-00`

Property Details

APN / Parcel Number

Primary APN	`282-040-33-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	30,492 sqft (0.7 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2550 HOWELL ST
City	RAMONA
State	CA
Zip	92065-3850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A70
Legal Description	SEC 20-13-1E E H (EX DOC98800REC72)DOC111880REC71 IN TR 000863
Legal Range	01E
Legal Township	13
Legal Section	20
Legal Subdivision	RANCHO SANTA FE
Legal Tract	000863
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	RAMONA
Census Block Group	2
Census Block	2031
Census Tract	20805

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2550 HOWELL ST, RAMONA, CA 92065-3850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAXTER CU
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 4, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN EQUITY MORTGAGE INC
Aug 1, 2019	Deed of Trust, Mortgage · VA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Oct 9, 2018	Grant Deed, Transfer · VA Mortgage MORTGAGE LENDERS/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2018 · Amount on Record
Deed Sale	Oct 9, 2018 · Amount on Record
Prior Sale	Mar 22, 1984 · Amount on Record
Deed Document Number	2018419305
Transfer Doc	0000479490
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2550 HOWELL ST, RAMONA, CA 92065-3850
Transaction Type	Mortgage
Record Updated	Dec 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2550 HOWELL ST, RAMONA, CA 92065-3850

Mortgage

Document Number	0000454721
Date	Dec 1, 2022
Instrument	2022-0454721

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 30, 2042

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2550 HOWELL ST, RAMONA, CA 92065-3850
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2550 HOWELL ST, RAMONA, CA 92065-3850

Mortgage

Document Number	0000447579
Date	Jun 18, 2021
Instrument	2021-0447579

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Sep 1, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2550 HOWELL ST, RAMONA, CA 92065-3850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000562598
Date	Dec 4, 2017
Instrument	2017-0562598

Lender

Name	AMERICAN EQUITY MORTGAGE INC
Type	Subprime Lender
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2550 HOWELL ST, RAMONA, CA 92065-3850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST NATIONAL ACCEPTANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000317307
Date	Aug 1, 2019
Instrument	2019-0317307

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 9, 2018
Property Address	2550 HOWELL ST, RAMONA, CA 92065-3850
Document Number	0000419305
Instrument Date	Sep 6, 2018
Instrument	419305
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2550 HOWELL ST RAMONA CA 920653850, RAMONA, CA 92065-3850

Mortgage

Document Number	419306
Date	Oct 9, 2018
Instrument	419306

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Ramona City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$494,949 (+2%) Land $307,211 Building $187,738
2025	$5,279.00 (+8.26%) Homeowner's exemption	$485,245 (+4.04%) Land $301,188 Building $184,057
2023	$4,876.00 (-2.3%) Homeowner's exemption	$466,405 Land $289,494 Building $176,911
2022	$4,991.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	15 (1980–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 83% of the US · above 62% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RAMONA MUNICIPAL WD serves 36,455 people · EPA ID CA3710019
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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